Report: #291207

Complaint Review: National Agents Alliance NAA

  • Submitted: Thu, December 13, 2007
  • Updated: Fri, September 12, 2008
  • Reported By: Atlanta Georgia
  • National Agents Alliance NAA
    Burlington, North Carolina

Show customers why they should trust your business over your competitors...

NAA (National Agents Alliance) is an extremely well groomed, slick, company that should be brought to the attention of every State Attorneys office. I am an insurance professional with a medium sized Independent Insurance Agency; two years ago I hired an agent who talked to me about NAA. I investigated it and liked the fact that they supplied leads and are a NON-CAPTIVE opportunity. I became actively involved about a year ago.

I recruited over 100 agents around the country based on who I was (a respected insurance professional) and the opportunity based on what I believed (a reasonable/rational person) after reading all the contracting and marketing information from NAA.

NAA had seen phenomenal growth in their 5 year history as they hit the real estate boom on the nail with their mortgage protection program.

I saw there lead system change from the option to buy recycled leads (B+ and B leads) to a scenario where you are forced to buy 6-10 week old leads now called A1-A3 leads.

In the current market environment to be successful you must go and knock on peoples doors to make sales or travel out of your state. I personally had no interest in doing this and the agents I had recruited had no interest in this either. I had reached the level of regional manager and was questioning the methods used to recruit new agents as there were no longer enough A leads available.

Amongst other issues, I also questioned the sales tactics on how to sell annuities after attending a seminar held by the number 1 annuity producer in the company. I specifically brought to the attention of other managers erroneous and unethical statements that this person was teaching agents to use to make the sale. I WAS TOLD BY MY UPLINE MANAGER THAT, "WHO CARES, THIS IS WHY WE HAVE ERRORS AND OMMISSIONS INSURANCE".

I had a difference in opinion on how to develop my agency in NAA with my upline manager. Realize this is allegedly not a captive agent deal, as long as one does not sell competing companies products into the NNA leads you have no obligations to NAA.

Although I had never done anything contrary to what is in the NAA contract, but was questioning their methods (had a brain and knew when something was amiss) had a different vision (my own opinions based on years of successful business strategies) on how to build my NAA business I was terminated and al the agents I had recruited were stripped from me.

In a nutshell this is the worst type of deceptive business practice one can encounter and the part I like best is the owners always saying how righteous and Christian (values) they are. Does the name Jerry Falwell ring a bell?

Insurance star
Atlanta, Georgia
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This report was posted on Ripoff Report on 12/13/2007 07:25 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Close personal friend of NAA Owner

AUTHOR: Dave - (U.S.A.)

I am a close, personal friend and business associate of one of the owners of NAA. I have known one of the owners for 15 years, the other 2 for 5 years, and have been involved in business with him for 5 years. My office is actually located at the NAA Headquarters.
The owners of NAA are some of the most honest ethical people I have ever had the priviledge to know. Do they have faults? Sure! They are human, but I can promise you all three of them work like dogs to make NAA one of the best opportunities in America. The work ethic at NAA is amazing, and the cutting edge technology they use is state-of-the-art. Sure, you can buy leads elsewhere, but NAA goes to great lengths to make sure they have the freshest leads available. I pass thru the mail room at least once a week, and the machines are constantly working, producing leads for the end-user agents. The owners are constantly working with the carriers rto improve products and make sure stuff gets issued timelt. Ok, thats about all I know about the insurance!
More personally, my friend, and business associate is an extremely generous person. He is tough, dont get me wrong, but he is extremely fair and is a genius when it comes to business. The people who are closest to him are fiercely loyal to him, because they have seen how hard he works for them. So, if you dont want to get involved because of the details, or you dont like the way the leads work, thats your perogative, but take it from some one who knows, you can feel comfortable signing up with this company based on the the ethics and morals of the leaders. Anyone who thinks they are dishonest or unethical havent a clue what they are talking about, frankly.
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#2 UPDATE Employee

Misleading yourself

AUTHOR: Gerry - (U.S.A.)

Interesting that you say that, "In the current market environment to be successful you must go and knock on peoples doors to make sales or travel out of your state."

I am an average producer, at best, and yet I currently do most of my business within an hour or so of my home. Yes, I'll knock on doors, but only the doors of those few leads I cannot reach on the phone (not, as your post would seem to imply, working door-to-door).

Yes, the best opportunity is probably travel (I've done it, myself), because an agent can pick an area that's underserved and work for 2 - 3 days a couple of times a month and make a great living. But there's still plenty of opportunity in many areas. Perhaps your area is simply saturated with agents - in which case your best bet would be to travel within short driving distance to someplace that isn't (and I know there are areas within 2 hours of Atlanta, because I see the leftover leads in the reports).

The change in the lead system (A and B leads became A, A1, A2, A3 leads) simply made it easier to tell what you are dealing with, and ensured that multiple agents didn't receive the same recycled (B) lead at the same time. It has actually improved the quality of the leads, so far as I can tell from my own personal experience.

I can't really speak to the "erroneous and unethical statements" made by someone at a seminar on annuities, as I've not heard anyone make any blatantly false statements. In fact, most of the things I've heard about annuities were facts and notions provided by the annuity companies.
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#3 Consumer Suggestion

Stay Away

AUTHOR: Mike - (U.S.A.)

NAA has the practice of predatory recruiting. They teach their managers to create income from their leads and to recruit recruit recruit.............does not matter that they do not have the leads to support. They are the MLM of insurance. The new agents pay dearly for the support of their upline. If anyone is considering this business consider more traditional companies that pay higher commissions, give exclusivity to regions and do not resell the leads to the ignorant downline. One example is others are out their but this is one of the best I have seen.

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#4 UPDATE EX-employee responds

Familiar with practices

AUTHOR: Tim - (U.S.A.)

I am familiar with the nature of the complaint. NAA wants everyone to either drink the kool-aid or leave. Sounds as if Fred had a little too much kool-aid. I received termination notices from two insurance carriers and never so much as a word out of my NAA manager. He did not even have the guts to call and say anything at all. Amazing.
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#5 Consumer Comment

I feel sorry for the negative thinkers in regard to NAA

AUTHOR: Fred - (U.S.A.)

When I read negative comments in regard to NAA, I feel sorry for the writers. It is fine to not agree with a situation about any company. Sometimes you have to agree to disagree. However, what if you are wrong? What if you made a bad decision and walked away from one of the best opportunities to earn a very very good living, and at the same time provide meaningful help to families across the country?
Naa is and can be as competitive as any other company. In fact they also can help millions from being hurt and turned down for coverage because large amounts of insurance normally requires a physical that many can not pass. That decline stays on the persons record for almost forever, if not forever. Why? Because an agent somewhere thinks they know more than the entire industry? Can you seriously sleep at night knowing you harmed just one person because you didn't know any better? What happened to you taking, and accepting responsibility? What if you did not know the truth? Nothing is perfect. When you take your bat and ball and go home, you will never understand that quitters do not win, and winners do not quit. You should help the company get better and make changes that all companies make. You can not stand still. It is either forward or backward. You make it what it can be for YOU. You can not make any changes to your life when you are gone from this earth. Also, you can not be constructive taking pot shots from the outside and expect any good to come from it. Sometimes it is best for those with stinking thinking to go elsewhere. Unfortunately, they are there when they arrive at their new employer.

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